88.8%Life assurance
88.8% of organisations in the lumi HR community selected “Life assurance” for benefits currently offered (base: 267 organisations, 2026 H1; organisations could select more than one).
Figures describe organisations in the lumi HR community, not a random sample of UK employers.
How UK organisations answered
| Answer | Share of organisations |
|---|---|
| Life assurance | 88.8% |
| Above-statutory holiday | 74.5% |
| Employee Assistance Programme (EAP) | 73.4% |
| Private Medical Insurance (PMI) | 69.3% |
| Enhanced paternity pay | 68.2% |
| Cycle to work | 64% |
| Enhanced maternity pay | 64% |
| Retail discounts | 57.7% |
| Enhanced shared parental pay | 44.2% |
| Salary sacrifice car scheme | 40.4% |
| Income protection | 35.6% |
| Health cash plan | 25.5% |
| Dental cover | 22.1% |
| Critical illness cover | 22.1% |
| Menopause support | 14.2% |
| Other | 14.2% |
| Mental health support programme | 13.9% |
| Fertility/family-forming support | 13.9% |
| Technology salary sacrifice | 12% |
| None | 0% |
Definition
Private Medical Insurance (PMI) covers the cost of private treatment; a health cash plan refunds everyday health costs (dental, optical, physio) up to set limits. Income protection pays a share of salary during long-term illness; critical illness cover pays a one-off lump sum on diagnosis of a listed condition. An EAP (Employee Assistance Programme) is a confidential advice and counselling line. Salary-sacrifice schemes (cycle-to-work, EV cars) fund a benefit from pre-tax pay. Tick a benefit only if the organisation arranges it today — employer-arranged counts whether employer- or employee-funded. A mental health support programme means a structured, funded programme (for example a digital platform or counselling pathway), not first aiders or an EAP alone. See the methodology for how the base is built, how not-applicable answers are handled, the public floor, and which organisations are excluded.
Source: lumi HR, UK Reward Metrics, September 2026, lumihr.co.uk/metrics/benefits-currently-offeredLast updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.
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